Business Insurance
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Make Memories, We’ll Handle the Risks
From weddings to corporate events, Event Insurance protects your big day from unexpected surprises.
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Why Event Insurance Matters
Planning an event, whether it’s a wedding, birthday party, concert, or corporate gala, takes months of work and often thousands of dollars. But even the most carefully planned events can run into unexpected problems. A guest could slip and fall, a vendor might fail to show up, or severe weather could force you to cancel altogether. Without protection, you could be left covering the financial fallout yourself.
Most venues now require proof of event liability insurance before you can even sign a contract. Why? Because accidents happen, and they don’t want to be held responsible if things go wrong.
What Types of Business Insurance Do You Need?
We offer customized Business Insurance packages, no matter your industry, size, and risk profile.
General Liability Insurance
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Commercial Property Insurance
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Business Owners Policy (BOP)
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Professional Liability (E&O)
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Commercial Auto Insurance
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Workers Compensation
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Cyber Liability Insurance
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Umbrella Liability Insurance
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
Event Insurance Coverage Options
From rain delays to rowdy dance floors—protect your guests, your venue, and your budget with coverage built for real events.
General Liability
Bodily injury & property damage for attendees and third parties.
Event Cancellation/Postponement
Reimburses non-refundable costs if your event can’t go on.
Liquor Liability
Protection when alcohol is served.
Participant Accident/Medical
Medical bills for guests, volunteers, or participants.
Damage to Rented Premises
Protects the venue space you’re renting.
Equipment & Rented Gear
Coverage for sound, lighting, staging, tents & A/V.
Weather Insurance
Rain or severe weather protection for outdoor events.
Vendors & Third-Party Property
Protection when you’re responsible for others’ property.
Hired & Non‑Owned Auto
Liability for errands and rentals tied to your event.
Certificates & Additional Insureds
Fast COIs to satisfy venue and vendor requirements.
Who Needs Event Insurance
If you’re hosting people, renting a space, serving food, selling tickets, or hiring vendors—you’re the target audience.
Weddings & Receptions
Covers venue damage, last-minute cancellations, liquor liability, and vendor no-shows.
Private Parties
Birthdays, anniversaries, reunions—protect hosts from property damage and guest injuries.
Concerts & Performances
Promoters, artists, and venues—coverage for crowd injuries, equipment, and rainouts.
Corporate Events
Offsites, conferences, launches—general liability, rented space damage, and cancellations.
Festivals & Fairs
Street fairs, food fests, markets—multi-vendor events with large crowds and complex risk.
Nonprofits & Fundraisers
Galas, auctions, charity runs—protect organizers, volunteers, and donors’ experiences.
Sports & Recreation
Tournaments, races, leagues—spectator and participant injury liability plus weather risks.
Schools & Universities
Graduations, dances, field days—temporary coverage without altering annual policies.
Don't see Your Business?
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Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Industry-Specific Insurance Solutions
Retail & E‑commerce
Solutions for online and physical stores to boost sales and streamline operations.
Read More →Restaurants & Food Services
Tools to attract diners, manage bookings, and grow your food business.
Read More →Real Estate & Property Management
Support for agents, brokers, and managers to close deals faster.
Read More →Construction & Contracting
Build stronger client relationships and manage projects efficiently.
Read More →Nonprofits & Religious Organizations
Engage communities, manage donations, and grow your mission.
Read More →Beauty & Wellness
Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →Professional Services
For legal, finance, and consulting firms to manage clients effectively.
Read More →Healthcare, Manufacturing, Energy
Industry solutions to scale operations and serve clients better.
Read More →Don’t see your industry? We probably cover it. Ask us
Why Businesses Trust OnePoint Insurance Agency
Fast, personalized quotes
Affordable plans with flexible options
Dedicated agents who understand small businesses
Claims support when you need it most
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Event Insurance Frequently Asked Questions
What does event insurance typically cover?
It usually covers property damage, bodily injury liability, event cancellation, and sometimes liquor liability — depending on the policy.
Do I need insurance if my venue already has coverage?
Yes — venue insurance protects the venue, not you. Event insurance ensures *you* aren’t left paying for accidents, cancellations, or guest issues.
How far in advance should I buy event insurance?
The earlier, the better. Most policies can be purchased up to a year in advance, and at least 2–3 weeks before your event is recommended.
Does it cover weather-related cancellations?
Many policies offer weather-related cancellation coverage — but usually only for extreme conditions. Always confirm the fine print.
Is liquor liability included?
Some event insurance includes liquor liability, but not all. If alcohol is being served, you’ll likely need to add it as an endorsement.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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